All professional fees and disbursements for YCI Canada services are processed according to the payment terms outlined in your Service Agreement (Section 5).
Currency and Invoicing
All invoices are issued in Canadian Dollars (CAD) only. If you're paying from another currency, the exchange rate from xe.com will be applied at the time of payment conversion (as per Section 5.1 of your Service Agreement).
Payment Methods Based on Your Location
We offer different payment options depending on whether you or your spouse are physically located in Canada. This ensures you have access to at least one fee-free payment method regardless of your location.
If You or Your Spouse Are Physically in Canada
Recommended Method: Interac e-Transfer (No Fees)
Send to: pay@yci.co
No processing fees applied
Fastest processing time (typically same business day)
Most secure method for Canadian residents
Use your application/invoice number as the message/reference
Alternative Method: Credit or Debit Card (+3% Processing Fee)
Available through secure payment link sent via email
3% processing fee applies when applicant or spouse is in Canada or has active Canadian banking
Accepts Visa, Mastercard, American Express
Instant confirmation
Why the 3% fee for cards when you're in Canada? Interac e-transfer is available to all Canadian residents at no cost, making it the fair fee-free option. Card processing fees are passed to clients who choose convenience over the free option.
If You Are Outside Canada (No Spouse in Canada)
Recommended Method: Credit or Debit Card (No Fees to You)
Available through secure payment link sent via email
YCI covers the 3% processing fee - no additional cost to you
Accepts Visa, Mastercard, American Express, international cards
Instant payment confirmation
Alternative International Methods:
Bank Transfer/Wire Transfer
Available for clients in countries with direct banking options
Additional $50 fee applies to cover international wire transfer costs
Processing time: 3-5 business days
Requires your invoice number as reference
Wise (TransferWise)
Lower fees than traditional wire transfers
Good option for clients in India, UK, Europe, Australia
Processing time: 1-3 business days
Fees vary by country (typically lower than wire transfer)
PayPal
Available upon request
Fees may apply depending on your location
Processing time: 1-2 business days
Local Bank Transfer (NEFT - India)
Available for clients in India
Lower fees than international wire transfer
Processing time: 1-2 business days
Contact us for bank details
Why no card fees outside Canada? We recognize international payment options are limited, so we absorb the processing costs to ensure fair access to our services.
Our Fee-Free Commitment
We guarantee at least one payment method without additional processing fees:
✓ In Canada: Interac e-Transfer (no fees)
✓ Outside Canada: Credit/Debit Card (no fees - we cover processing costs)
This ensures all clients have equitable access to our services regardless of location.
Payment Not Accepted
❌ Cash payments - We do not accept cash under any circumstances, as required by professional practice standards and for financial transparency.
How to Make a Payment
Step 1: Receive Your Invoice
You'll receive an invoice via email with:
Invoice number
Amount due in CAD
Due date
Payment instructions
Step 2: Choose Your Payment Method
Select the appropriate method based on your location (see above).
Step 3: Submit Payment
For Interac e-Transfer:
Log into your online banking
Send e-transfer to pay@yci.co
Use your invoice number as the message/reference
Set security question (if required): "What is your invoice number?" Answer: [Your invoice #]
For Credit/Debit Card:
Wait for secure payment link via email
Click link and enter card details
Confirm payment amount matches your invoice
For Other Methods:
Email info@yci.co to request specific payment instructions
We'll provide account details and reference information
Include your invoice number in all payment references
Step 4: Payment Confirmation
Interac e-transfers: Confirmation generally within one business day
Credit cards: Instant confirmation
Other methods: Confirmation within 1-3 business days after funds received
You'll receive an email confirmation and updated invoice marked "PAID" once payment is processed.
Payment Terms and Late Fees
Payment Due Dates: As outlined in your Service Agreement (Section 4):
Initial payment: Due upon signing the Service Agreement
Final payment: Due before application submission
Late Payment Fees (Section 5.7): Payments not received by the due date may be subject to a $50 late fee or 3% of the outstanding balance (whichever is higher), accrued monthly.
Security and Privacy
All payment processing is conducted through secure, encrypted systems. We never store your credit card information. Payment confirmations and receipts are sent via email only.
Your payment information is confidential and handled according to our privacy policy and Section 8 (Confidentiality) of your Service Agreement.
Frequently Asked Questions
Can I pay in installments?
Payment schedules are outlined in Section 4 of your Service Agreement. Custom payment arrangements must be agreed to in writing before services begin.
What if I need to pay from a different country than I'm applying from?
Choose the payment method that works best for your current location. Contact us at info@yci.co if you need specific guidance for your situation.
Can someone else pay on my behalf (family member, employer)?
Yes. Ensure the payment includes your invoice number and name as reference. Email us at info@yci.co to notify us of third-party payments.
Do you offer refunds?
Refund policy is outlined in Section 6 of your Service Agreement. Generally, professional fees are non-refundable after services are rendered, but unearned fees are refunded if tasks are not completed.
I sent payment but haven't received confirmation. What should I do?
Email info@yci.co with your payment details (date, amount, method, reference number). We'll verify and confirm receipt within 1 business day.
Need Payment Assistance?
If you have questions about payment methods, fees, or need alternative arrangements, email us at info@yci.co or raise a support ticket through your myYCI portal at https://my.yci.co.